Are you paying too
much for your Car Insurance? Because
Car Insurance
is essential and many drivers choose to remain with one insurance
company rather than review the market every time their insurance is
due for renewal, insurance companies compete to secure their
customers. This is good news for you, the hard pressed driver,
as there are Cheap Car Insurance Policies
available.

Shop around to find the company offering the
best motor insurance package to meet your needs. Comparing
online quotes can be a quick and easy way to find the cheapest car
insurance for your personal circumstances.

For a given insurance company, you may be able
to reduce your premium by changing your type of insurance
cover. As a minimum, Third
Party Insurance is required to provide cover for any injuries or
damage caused to other people or their property.
Third Party, Fire
and Theft, includes cover for loss of your own vehicle due to fire
or theft. Fully Comprehensive Insurance cover will also
provide cover for yourself and your own vehicle if an accident is
your own fault. Although "Fully Comp"
cover will be more expensive, the difference may not be as much as
you may expect - especially to cover a cheaper car.

Insurance companies may offer "no claim"
bonuses or discounts to drivers who have not been responsible for a
claim. Some companies provide specialist motor insurance
policies for people in particular risk groups. Look for
specialist motor insurance for your age group, gender, profession,
or location.

Optimise Your Cover
You may find that adjusting your policy slightly may significantly
reduce your premiums - removing or adding a named driver, increasing
the excess, adjusting the value of the car, the yearly mileage or
the type of use, where the car is kept overnight, etc. are all
issues that can significantly affect the premiums - by varying your
policy you may be able to reduce your premium to less than half!

Make sure you are honest - making false
claims may invalidate your cover.

Caution -
Insurance Companies are in business to
make money. If your Insurance Cover
is very cheap, they possible need to make savings by being less
generous with their payouts or offer a reduced level of service.
Set your expectations accordingly.